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  1. Home
  2. Service Fees
Person paying cheque

Service and ATM Fees

Current as of

Service Fees

Current Service Fees (PDF)

Accounts

Amount

Regular Share, Premium Online Savings, and Money Market Savings

Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

PenFed ATM Fees for Regular Share and Money Market Savings Accounts:
PenFed ATM fees waived for members with Access America or Free Checking accounts

  • Non-PenFed Branded ATM Withdrawal Fee*
  • Non-PenFed Branded ATM Balance Inquiry Fee*

$1.50

$1.00

International Transaction Fee

up to 2% of transaction amount

Checking

Access America

Monthly Service Charge 

No Fee if daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 service charge.

$10.00

Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

Check Ordering (per order)

  • First 40
  • Reorder

Free

Varies

International Transaction Fee

up to 2% of transaction amount

Complete Access

Monthly Service Charge

No Fee if daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 service charge.

$10.00

Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

Bill Pay

$5.00

Check Ordering (per order)

  • First 40
  • Reorder

Free

Varies

International Transaction Fee

up to 2% of transaction amount

Pencheck Plus

Monthly Service Charge

No Fee if daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 service charge.

$10.00

Check Stop Payment (Individual) 

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

Bill Pay

$8.95

Check Ordering (per order)

  • First 40
  • Reorder

Free

Varies

PenFed ATM Fees for PenCheck Plus:

PenFed ATM fees waived for members with Access America or Free Checking accounts

  • Non-PenFed Branded ATM Withdrawal Fee*
  • Non-PenFed Branded ATM Balance Inquiry Fee*

$1.50

$1.00

International Transaction Fee

up to 2% of transaction amount

Free Checking

Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

Check Ordering (per order)

  • First 40
  • Reorder

Free

Varies

International Transaction Fee

up to 2% of transaction amount

Limited Checking

Monthly Service Charge

No Fee if daily balance of $500 or Direct Deposit of at least $500 monthly to the account is required to avoid the $10 service charge.

$10.00

Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Returned Inbound Electronic Transfer (Originated at PenFed)

$30.00

Returned ACH (Originated at another financial institution), Check, or Preauthorized Debit

  • Non-sufficient Funds
  • Uncollected Funds (Deposits on hold)

$30.00

$10.00

Bill Pay

$5.00

Check Ordering (per order)

  • First 40
  • Reorder

Free

Varies

PenFed ATM Fees:

  • Non-PenFed Branded ATM Withdrawal Fee*
  • Non-PenFed Branded ATM Balance Inquiry Fee*

 

$1.50

$1.00

International Transaction Fee

up to 2% of transaction amount

Credit Cards

Convenience Check Stop Payment (each)

$15.00

Two or More Simultaneous Stop Payment

$25.00

Card Replacement Expedited Mailing

$15.00 - $25.00

Mailed Credit Card Statement

Waived only if statements are received electronically

$2.00

Mailed Credit Card Statement Reprint (each)

$3.00

Returned Payment Fee

up to $25.00

Late Payment Fee

up to $28.00

Loans

Returned Loan Payment, Check or ACH

$30.00

Late Charge on Loans (per payment)

$29.00

Thrifty Credit Service, Tax-Smart College Line, &
Personal Line of Credit Over Limit Fee (each time)

$15.00

Automobile Lien Placement Charge

Actual Fee Incurred

Check Stop Payment

$15.00

Equity Line of Credit

Convenience Check Stop Payment (Individual)

$20.00

Check Stop Payment (Sequential Series)

$30.00

Over Credit Limit (per month)

$20.00

Returned Check

$30.00

Returned Loan Payment, Check or ACH

$30.00

Annual HELOC Fee

$99.00

Lien Release Processing

$20.00

Late Charge

As provided in promissory note

Mortgage and Equity Loans

Late Charge

As provided in promissory note

Returned Loan Payment, Check or ACH

$30.00

Lien Release Processing

$20.00

Subordination

$150.00

Partial Release

$250.00

Recast

$250.00

CEMA Fee

$450.00

Mortgage Loans

Origination Fee (Non-VA)

Up to 1% of Loan Amount

Origination Fee (VA Purchase, Non-IRRRL Refinance)

$995

Escrow Waiver Fee

0.25% of Loan Amount

Services

Mailed Consolidated Statement of Accounts‡

This fee is waived if you:

(1) receive your statements electronically;

(2) have a PenFed checking account with a monthly direct deposit of at least $500; or

(3) maintain a minimum daily balance of $500 or more in your PenFed checking account.

$2.00

Statement Copy

$3.00

Check Copy (each, after first four free)

$1.00

Domestic Wire Transfer

$25.00

International Wire Transfer

$30.00

ACH Transfer via Member Service

$5.00

There is no fee for ACH transfers initiated at PenFed.org

Real Estate Subordination Request

$150.00

ACH Transfer via 3rd Party Servicer

up to $10.00

Incidental Fees

Bad Address/Inactive Accounts (per quarter)

$15.00

Garnishment or Levy Fee

$20.00

Account Research (per hour)

$15.00

†No fee with the PenFed VISA Promise Card or PenFed Defender VISA Signature® Card.
‡Except where prohibited by law.

ATM Service Fees

Account Types

PenFed ATMs

In-Network*

Out-of-Nework|

  • Access America Checking
  • Free Checking

No PenFed fee for any PenFed account accessed at an ATM

No PenFed fee for any PenFed account accessed at an ATM

No PenFed fee for any PenFed account accessed at an ATM

Surcharge fees are imposed by third party ATM operators.

  • Complete Access Checking

No PenFed fee

No PenFed fee

No PenFed fee

Surcharge fees are imposed by third party ATM operators.

  • PenCheck Limited Checking
  • PenCheck Plus Checking
  • Regular Share Savings
  • Money Market Savings

No PenFed fee

$1.50 - PenFed Withdrawal fee

$1.00 - PenFed Balance Inquiry fee

**PenFed fees waived for members with Access America or Free Checking Accounts

$1.50 - PenFed Withdrawal fee

$1.00 - PenFed Balance Inquiry fee

**PenFed fees waived for members with Access America or Free Checking Accounts

Surcharge fees are imposed by third party ATM operators.

For a complete listing of PenFed ATMs and surcharge fee-free ATM locations, visit https://www.penfed.org/locations.

*To find the nearest In-Network ATM, please refer to the ATM or branch Locator Map.

| Note: Out-of-Network surcharges are not imposed or controlled by PenFed.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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